*APY=Annual Percentage Yield. APYs accurate as of 6/27/2013. Rates may change after account is opened. Fees may reduce earnings. Personal accounts only. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) unlimited Nationwide ATM fee refunds credited to the account on the last day of monthly statement cycle; (2) all balances will receive 0.50% APY. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle to your account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to your account. ATM-processed transactions, PIN based transactions, and transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

Qualifications

Qualifying for your rewards is easy. Simply do the following each monthly qualification cycle:

If you don't qualify during a cycle--no worries. Your checking account is still free and earns interest at 0.01% APY* and you get right back to making 0.50% APY* and enjoying ATM fee refunds** the next cycle you qualify.

If you are unable to meet the minimum qualifications for your High-Yield Checking account for three (3) or more consecutive qualification cycles during a rolling 12 month period, your High-Yield Checking account may be converted to a Simple Checking account.